Have you ever found yourself in a situation where your friend asks to borrow your car in West Chester, PA? Perhaps you said yes and handed over the keys. Perhaps the thought crossed your mind wondering, "What if they got into a car accident." "Are they covered?" "Am I covered?"
Typically, there is no problem with letting your friend borrow your car to grab some eggs from the corner store as long as you give them permission to take your car and you have auto insurance coverage. Again, once in a while is ok, but letting someone borrow your car consistently can pose some problems, especially if they do get into an accident that is their fault. In truth, it really depends on what your insurance policy says.
If you do let a friend borrow your car and there is a crash, typically your insurance kicks in first to cover the damages. After that, the auto insurance policy of the driver, if they have a policy, will kick in to cover other expenses. Of course, this is not a guarantee as different insurance policies have their own rules to follow in such a situation.
Before you hand over the keys to your friend, you should call your insurance company to find out what their policy is about letting others drive your car. This way, you know if you are protected or not. If you’re looking to purchase a new auto insurance policy or change an existing one, contact the team at Keystone State Insurance. Serving the West Chester, PA area, Keystone State Insurance can be contacted at 610-692-4400.
Your car doesn’t have to be moving for it to be involved in an accident. Residents in the West Chester, PA area, and the surrounding communities know that damage can be caused by their car being hit by shopping carts or bicycles while they are parked. The agents at Keystone State Insurance are available to talk our clients through these types of incidents to ensure their vehicles are repaired as quickly as possible.
Collision vs. Comprehensive
Collision insurance covers damages that are caused if your vehicle is in an accident. Comprehensive insurance covers all types of other damage including vandalism, scratches and dents, and broken windshields. If your car is parked and is struck by another object, such as a bicycle, tree limb, or shopping cart, it isn’t considered a collision. This type of damage would be covered by a comprehensive auto insurance policy.
Should I File A Police Report?
In most cases, if you want your insurance company to cover the damage to your vehicle, you should file a police report to have the damage documented. If you are unsure of what to do once you’ve discovered the damage, call your insurance agent and ask what your policy requires regarding documentation and support.
The agents of Keystone State Insurance serve residents who live in the West Chester, PA area. If your car has been hit by a bicycle and has any substantial damage, call your agent today and find out what your first step should be. We can guide you through the policy so you can get the repairs you need in Pennsylvania and Delaware.
Buying a car can be a time-consuming experience. By the time you complete all of the loan paperwork and are ready to drive your car off the lot, your current auto insurance office may be closed. This may leave you wondering if your new vehicle is covered under your existing policy or whether you have to wait until morning to get coverage and drive your car off the lot. This is a question that we at Keystone State Insurance, serving the West Chester, PA area and the surrounding states, are often asked. Here is what you need to know.
You Are Typically Covered
In most cases, your current auto insurance policy will extend to a brand new car that you have just purchased. However, if you are not sure, contact your insurance company and let them know that you are looking to buy a new car. Ask them if you will be covered if you buy the car at night or after their office is closed.
Buy Insurance in a Timely Manner
While you may be covered under your existing policy for a brief period, the time for which you are covered is often limited, and the coverage levels may not be very high. As such, you will want to obtain insurance on your new car as quickly as you can the next business day. Be sure to have the VIN of your new car and your driver’s license number on you to get accurate quotes.
If you have just purchased a new car, you may be looking for a new auto insurance policy. If you need a new policy in the West Chester, PA area or the surrounding states, Keystone State Insurance can help. Call us now to get a quote or try our online rating tool.